| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2150 S CENTRAL EXPY SUITE 280 MCKINNEY, TX 75070 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 5.04% |
| LUKE GRIZZAFFI3 | 321 SOUTH DIXON STREET GAINESVILLE, TX 76240 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.46% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $56 | $56 | 0.03% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GDP ADVISORS | 2150 S CENTRAL EXPRESSWAY STE 280 MCKINNEY, TX 75070 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.25% |
| LUKE GRIZZAFFI3 | 321 S. DIXON ST. GAINSVILLE, TX 76240 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.63% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA GDP ADVISORS | 2150 S CENTRAL EXPY STE 280 MCKINNEY, TX 75070 | VISION SERVICE PLAN | $1K | — | $1K | 3.23% |
| LUKE GRIZZAFFI3 | 321 S. DIXON ST. GAINESVILLE, TX 76240 | VISION SERVICE PLAN | $884 | $0 | $884 | 2.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $258K |
| ACRISURE LLC EIN 26-3554645 BROKER | Other commissions Service code 55 | — | $71K |
| GRIZZAFFI BENEFIT MANAGEMENT BROKER | Other commissions Service code 55 | 321 S DIXON ST GAINSVILLE, TX 76240 | $24K |
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 SERVICE PROVIDER | Consulting (general); Insurance services; Plan Administrator Service code 14 | — | $11K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 337 | $159K |
| Vision | VISION SERVICE PLAN | 158 | $41K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 279 | $174K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 279 | $174K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 279 | $174K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 279 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.